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Get a free carbon monoxide detector when you choose Square One

And, get the best house insurance policy in Canada

Buy a house insurance policy from Square One and we’ll send you a free First Alert® carbon monoxide detector (valued at $35), so you can rest easy that both your home and your health are protected.*

To get started, click the button below to get a quote online. Or, continue reading to learn about the dangers of carbon monoxide poisoning and how you can protect your home with a policy from Square One.

What is carbon monoxide poisoning?

Carbon monoxide (CO) is a gas that’s produced by burning fuels such as gas, oil, kerosene, wood or charcoal. This gas is extremely toxic and continued inhalation causes poisoning and ultimately, death.

Unlike natural gas, which is deliberately made to smell like rotten eggs, you can’t smell, see or taste carbon monoxide gas. It’s a silent killer that can prove deadly within minutes. So, what can you do about it?

Prevent CO poisoning

Prevention is better than a cure. Here’s are some ways you can keep your family safe from CO poisoning:

  • Install a CO detector in your home.
  • Ensure your gas appliances are properly vented.
  • Have your gas appliances inspected annually.
  • Get your chimney cleaned or checked annually.
  • Only buy CO tested and approved appliances.
  • Never heat your home with a gas stove or oven.
  • Never use a generator or burn charcoal indoors.

Get a CO detector

Buy a house insurance policy from Square One and we’ll send you a free carbon monoxide detector. To start, get an online quote.


First Alert® CO detector

Recognize CO poisoning

If you experience the following symptoms of CO poisoning, leave the area immediately and seek fresh air. Call 911 right away or go to the hospital.

  • Headaches.
  • Dizziness.
  • Nausea.
  • Confusion and drowsiness.
  • Fast breathing, fast heartbeat, or chest pain.
  • Vision problems.
  • Seizures.

House insurance that customers love and trust

Complete protection for your house and personal property in just 5 minutes

Traditional house insurance providers offer pre-packaged policies. For houses that cost $500,000 to rebuild, traditional policies include $50,000 for detached structures, $350,000 for personal property and $100,000 for additional living expenses. But if you don’t need all this coverage, why pay for it?

At Square One Insurance Services, you personalize your house insurance policy to meet your unique needs. This provides you with more relevant protection at a great price. Better yet, our policies automatically include critical fire and water backup protection. No paying extra.

After writing 8,859 reviews and rating Square One 4.7 stars out of 5, it’s clear customers love the way we’re changing house insurance. Continue reading to learn why Square One is right for you.

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Protect all your favourite things

The policy provides blanket coverage for your common personal property. You can also add coverage for your specialty property, like fine arts and rare collectibles. Don't own these items? With us, you don't pay to insure them.

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Critical protection included

You don't want to be caught without the right coverage when the unexpected happens. The comprehensive policies offered by Square One automatically protect against break-ins, burst pipes, earthquakes, fires, hail storms, and water backups.

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Your time matters

5 minutes. That's the average time it takes to get a quote and buy online. And 90% of all phone calls are answered within one minute. Waiting in line for a coffee? You have time to get a quote and buy online.

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Pay monthly with no contract

We're confident you'll love our service and stay with us. That's why we don't lock you into a contract. With us, you can pay monthly or annually by bank withdrawal or credit card. And you’re not locked in to a fixed-term contract.

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Need to make a claim? That's easy!

It's traumatic enough when something you love is lost or damaged, so we make sure the claims process is fair, fast, and straightforward. In fact, over 90% of claims are approved and most are settled in less than 60 days.

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Backed by stable companies

Square One only works with well-established, financially-strong insurance and reinsurance companies. That means you can rest assured that your covered claims, including those from major catastrophes, will be paid.

Learn how you’re protected with Square One

When you buy house insurance from us, the experience is straightforward from quote to claim. Click on the tabs below to learn about the coverages, deductibles, protection and claim service offered by Square One. You can also download sample policy wordings.

House-related coverages

Your house is probably the largest asset you own. So, properly protecting it is really important. Our system will help you determine the estimated rebuild cost for your house, which will form the basis of your building limit. You’ll then have the option of insuring any detached structures on your property as well as landscaping, fences and gardening equipment.

  • Building: This coverage protects, on a guaranteed replacement cost basis, the main structure of your house as well as attached garages, swimming pools and hot tubs. It also protects, on an unlimited basis, additional costs due to building code changes.
  • Detached structures, fences and landscaping: This optional coverage protects any structures located on the property that are not attached to your house, including carriage homes, docks, garages, gazebos, workshops and sheds. It also protects all trees, shrubs, lawns, fences, retaining walls, rockeries, and anything else that improves your home's curb appeal. Note that patio furniture is considered personal property.

Personal and specialty property coverages

Traditional providers don’t give you much control when it comes to insuring the contents of your house. They include pre-packaged protection that is based on your house’s rebuild cost. And, they automatically include protection for specialty property, whether you own it or not.

At Square One, you decide what specialty property to insure and for how much. You also decide how much protection you need for your most common personal property, which includes appliances, electronics, furniture, and clothing.

  • Bicycles, sporting equipment and watercraft: This optional coverage protects any personal and portable equipment used for athletic or recreational activities. This includes cycling, equestrian, fishing, golf, hang-gliding, hockey, hunting, paragliding, shooting, skating, skiing, snowboarding, surfing and windsurfing. It also protects commercially manufactured boats, canoes and kayaks. Any watercraft must be no more than 20 feet in length and, if motorized, must have no more than 100 horsepower in total. And, it protects related property like accessories, equipment and trailers.
  • Business property: This optional coverage protects any property that you use as part of your trade, profession or occupation. If used for both business and personal purposes, it must be insured as business property. Note that this coverage does not protect business operations/exposures in any other way.
  • Fine arts and collectibles: This optional coverage protects visual art, including paintings, sculptures, drawings, limited edition prints, and other pieces that cannot be easily replaced, like hand-woven or hand-knotted rugs or carpets made in Asia. It also protects any items collected as a hobby, for display, or as an investment, whose value may appreciate, including sports card collections, first edition books, and coin collections. And, it protects any porcelain ware, plates, cups, saucers that are used on special occasions; eating and serving utensils made of silver that are also used on special occasions; and figurines made of porcelain or ceramic material.
  • Jewellery and watches: This optional coverage protects objects designed for the adornment of the body, including necklaces, bracelets, rings, earrings, watches and precious stones.
  • Personal property: This mandatory coverage protects all the other "moveable" property you own. This includes appliances, household goods, electronics, furniture and clothing in your home, garage and storage unit. This coverage does not protect any specialty property, which includes: bicycles, sporting equipment and watercraft; business property; fine arts and collectibles; jewellery and watches; and landlord's property.

Other coverages

There are a few other coverages that are essential to any insurance policy, including liability protection.

  • Additional living expenses: This mandatory coverage protects against increases in living expenses you incur because your home can't be lived in. This could be a result of damage to your home from an insured loss or an order to evacuate your home as a result of a sudden and accidental event.
  • Rental income: This optional coverage protects lost rental income from any portion of the home that is rented to others and rendered uninhabitable due to damage from an insured loss.
  • Personal and premises liability: Protects against amounts you are legally responsible to pay because you unintentionally injure someone or damage their property. Also protects against amounts you are legally responsible to pay for unintentional injury to someone or damage to their property arising from the ownership or use of your home.
  • Identity theft and financial loss: Protects against financial losses resulting from the theft of your identity. Also protects against expenses incurred to fix your personal credit rating after your identity has been stolen.
  • Legal protection: This optional coverage provides unlimited access to a telephone helpline through which you can receive legal or tax advice relating to any personal matter, except those relating to automobiles. In some cases, it also protects against legal costs to pursue or defend your personal rights.

Policy deductibles

A policy deductible is the amount you must pay before your house insurance policy will respond. For example, if your $2,500 laptop is stolen and the claim is subject to a $1,000 deductible, you must pay the first $1,000 and your policy will cover the remaining $1,500. The higher the deductible you select, the lower the premium you pay on your insurance.

Listed below are the various deductibles that may apply. It’s important to note that only one deductible applies per claim even if payments are made under multiple policy coverages. The type of loss will determine the deductible that applies.

  • Earthquake: This deductible applies to each insured loss resulting from an earthquake. While earthquakes don't happen often, they cause significant damage when they do. As such, earthquake deductibles tend to be higher than those for other types of loss. Depending on where you live, you may be presented with a couple options.
  • Inland flood: This deductible applies to each insured loss resulting from an inland flood. If this deductible applies, you may be presented with a couple options. Please note that not all areas are eligible for inland flood protection.
  • Water backup: This deductible applies to each insured loss resulting from the backup or escape of freshwater or wastewater from a sewer, storm drain, drain, sump, or septic tank. If this deductible applies, you may be presented with a couple options.
  • Wind and hail: This deductible applies to each insured loss resulting from a windstorm or hailstorm. If this deductible applies, you may be presented with a couple options.
  • Standard: This deductible applies to each insured loss not specifically mentioned earlier. For example, the earthquake deductible, not the standard deductible, applies to each insured loss resulting from an earthquake.

Comprehensive protection

At Square One, you get a comprehensive (or all-risk) policy. That means you're protected against all types of losses except for those types of loss specifically excluded in the policy. The most common policy exclusions include loss or damage due to coastal flood, terrorism and war. In the case of flood, some providers have started offering protection against inland flood. If your policy does not protect against flood, then you'll need to rely on disaster financial assistance programs offered by the government.

For complete details on what is and isn’t covered under your house insurance policy, please refer to your policy wordings or speak with one of our licensed agents by calling 1.855.331.6933. You can also download sample policy wordings by visiting the next tab.

Policy wordings

If you need a law degree to understand your insurance policy, something's wrong. At Square One, we're changing that with our modern, common sense approach.

To start, we've worked hard to write all policy documents in plain language. According to our customers, our policy documents are the easiest to read in the industry. Next, we personalize your policy documents to what you've bought. That means you'll know exactly what you've insured, the limits and deductibles you've selected, and the premiums you've paid. Finally, you'll understand what specific terms, conditions and exclusions apply.

If you'd like to review the policy wordings before you buy, please feel free to download the sample policy wordings. Please note that every effort is made to keep the sample wordings up-to-date, but your actual policy documents (and wordings) may differ. In cases where differences exist, your actual policy documents will prevail.

Download sample policy wordings

Making a claim

You buy insurance for peace-of-mind, so if you do need to make a claim we believe it should be simple and stress-free. That's why all Square One customers are protected by our commitment to handling claims fairly:

  • 24/7 emergency claim line so we're there whenever you need us
  • For emergency claims you're guaranteed a response within 2 hours
  • For all claims, you'll work with a single claims adjuster
  • Quickly track each stage of your claim online
  • We guarantee that all claims are dealt with fairly, transparently and quickly
  • You're treated with respect and kept informed at every stage of your claim

Get a personalized house insurance quote now

To see how affordable house insurance can be, get an online quote now. Or, call 1.855.331.6933. We’re open 6:30 am - 6:30 pm (Mon - Sat). Whichever option you choose, it will take 5 minutes to get a quote.

Get an online quote now

*Terms and conditions

Square One Insurance Services is not affiliated with First Alert®. First Alert® is a registered trademark of Newell Brands Inc. First Alert® is not a sponsor of this promotion. Carbon monoxide detectors are only available to individuals who visit this web page and purchase a house (or homeowners) insurance policy from Square One Insurance Services. Offer valid from February 13, 2019 to March 13, 2019. Carbon monoxide detectors limited to one (1) per household. Carbon monoxide detectors will be sent to the address listed on the house (or homeowners) insurance policy.